---
title: "HMO Mortgage Valuations: detailed guide"
description: "Detailed explanations and criteria for HMO Mortgage Valuations."
url: "https://mortgagelane.com/guides/insights-hmo-mortgage-valuations-details"
site: "Mortgage Lane"
collection: "guides"
date: "2026-03-30"
author: "Seren Norton"
category: "Mortgage guide"
reviewed: "2026-09-11"
reading_time: "1 min"
byline: "Seren Norton"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# HMO Mortgage Valuations: detailed guide

Detailed explanations and criteria for HMO Mortgage Valuations.

Learn about all valuation methods used by HMO mortgage lenders, including eligibility requirements to achieve a commercial valuation.

[Investment valuation](https://mortgagelane.com/definitions?term=investment-valuation)

Valuation

A property valuation that considers the income the property can generate and the return required by market participants.

[Read the full definition of Investment valuation](https://mortgagelane.com/definitions?term=investment-valuation)

Back to overview

[HMO Mortgage Valuations](https://mortgagelane.com/insights/hmo-mortgage-valuations)

Related definitions

[Investment valuation](https://mortgagelane.com/definitions#def-investment-valuation)

## Commercial Investment valuation (MV1)

For rooms of 7 and above, planning will be required regardless of whether the property sits inside or outside article 4.

[Read more about Commercial Investment valuation (MV1)](https://mortgagelane.com/guides/hmo-mortgage-valuations/commercial-investment-valuation-mv1)

## Residential valuation

Residential valuations are standard valuations that are primarily used on single unit buy to lets, which includes comparable valuation methodology.

[Read more about Residential valuation](https://mortgagelane.com/guides/hmo-mortgage-valuations/residential-valuation)

## Hybrid Valuation

Hybrid valuations are usually provided by specialist Buy to Let lenders.

[Read more about Hybrid Valuation](https://mortgagelane.com/guides/hmo-mortgage-valuations/hybrid-valuation)

## Are valuations regulated?

Yes, as long as the valuer is registered with RICS and this is the case with valuers that are instructed by Mortgage Lenders.

[Read more about Are valuations regulated?](https://mortgagelane.com/guides/hmo-mortgage-valuations/are-valuations-regulated)

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-03-30

Last reviewed: 2026-09-11

Source: https://mortgagelane.com/guides/insights-hmo-mortgage-valuations-details